Car Insurance, Auto Insurance, Automobile Insurance

<body> <table width="800" align="center" cellpadding="5" cellspacing="0"> <tr> <td><div align="center"><a href="http://www.2orderdirect.com" target="_blank"><img src="http://www.2orderdirect.com/images/2orderdirect_logo.gif" width="100" height="62" border="0"></a></div></td> <td><p align="justify" class="textnormal"><span class="textnormal">When you request a <em>Car and Auto Insurance</em> quote/policy here, 2OrderDirect will ensure that you will be represented by a professional agent in your locale who will contact you in less that 48 hours, if needed. </span></p> <p align="justify"><span class="graytext">* Note - All 2OrderDirect Insurance Quotes are digitally secured using 128 bit encryption. </span></p></td> </tr> <tr> <td colspan="2"><hr align="center" noshade></td> </tr> </table> <table width="800" border="0" align="center" cellpadding="5" cellspacing="0"> <tr> <td class="boldheader"><div align="left"> <h3>Car Insurance, Auto Insurance, Automobile Insurance</h3> </div></td> </tr> <tr> <td class="textnormal"><p>Basic auto insurance is made up of coverages. The major components are: </p> <p><span class="blackbold12">Collision:</span> This is the part of your policy that pays to get your car repaired after a collision, regardless of just who hit what or how. It is collision insurance that will get your insurance company to seek out another driver's insurance company to pay for repairs if they were at fault. A deductible amount will apply: that's the amount you pay for the fixing before the insurance company pays the rest. </p> <p><span class="blackbold12">Liability:</span> If you are at fault in an accident it covers the injuries and damage you cause to other drivers and their cars. If you are taken to court this part of your insurance will apply to your legal costs. Most states require this one, but the amount required varies from state to state. <br> Comprehensive: Coverage for damages to your car caused by something other than a crash. A vandal breaks in, a tree falls on it or floodwaters engulf it. Again, a deductible is applied. </p> <p>Plus, you can also get policies that help pay medical bills after accidents, including injuries to people in your own car if you were at fault. And there is coverage for your car if damage is caused by another vehicle that was not covered by its own insurance. This "uninsured driver" insurance is often required by state law. </p> <p>You can also find a policy that will cover amounts that are more than the other driver's insurance will pay if they were at fault (they are considered "underinsured" drivers). </p> <p><span class="blackbold12">Gap insurance</span> must also be considered, and may be required with a leasing or finance deal. It will pay the difference between what other policies have paid out and the amount you owe on the vehicle should it be wrecked or stolen. </p> <p> <br> <span class="blackbold12">Leasing or financing requirements</span><br> When you lease or finance a car you may have to take out an insurance policy with terms defined by the leasing or financing company. If you do, you'll find that the coverage they demand is steeper than the minimum state demands when it comes to liability, and may be more than you would have bought for a car where the choice was yours alone. </p> <p>A similar high level of collision and comprehensive insurance may also be required in a lease and/or a finance deal. What's more, the loan or lease company may demand you set your deductibles at a fairly low rate -- and that means you again pay a higher premium. </p> <p>Make sure you take these fixed insurance costs into account when you work out your lease or financing costs. </p> <p><span class="blackbold12">Compare and contrast</span><br> Don't think of insurance as a fixed-price, fixed-benefit item. Do some comparison shopping between companies, and make sure to ask for all of their options: policies can be assembled piece by piece, with different prices for different coverages, a little more coverage in some places, less in others. Make sure you get a policy package you are sure covers you the way you need to be covered. </p> <p>There are there a number of ways to bring coverage costs down without giving up vital protection. One way to get the best deal is to let the government help you: The Federal Consumer Information Bureau has created a list called Nine Ways To Lower Your Auto Insurance. The FCIB details ways to get more for less: </p> <ul> <li>Comparison shop. </li> <li>Ask for higher deductibles. </li> <li>Drop collision and/or comprehensive coverages on older cars. </li> <li>Eliminate duplicate medical coverages. </li> <li>Buy a "low profile" car. </li> <li>Consider area insurance costs if you are making a move. </li> <li>Take advantage of low mileage discounts. </li> <li> Find out about automatic seat belt or air bag discounts. </li> <li>Inquire about other discounts. </li> </ul> <p>If you have any doubts about insurance requirements or laws in your state, try the insurance industry's National Insurance Consumer Helpline (NICH) at (800) 942-4242 or call your state's insurance department; go to it's Web site for e-mail contact: </p> <p><span class="blackbold12">No-fault insurance </span><br> If you are in a state with "no fault" insurance regulations, your coverage pays for your injuries no matter who was in the wrong in an accident. The idea was to cut back on monster claim settlements and bring down the cost of insurance, but you can still make a legal claim against the other driver in some of these states.</p> <p>Get an <a href='javascript:void window.open("https://www.2orderdirect.com/apps/app_auto.html","myWin","width=800, height=500, top=100, left=100, toolbar=0, menubar=0, location=0, status=1, scrollbars=1, resizable=1")'>Auto Insurance Quote</a> now!</p> <p class="boldheader">Tips to Avoid Auto Accidents?</p> <p><span class="blackbold12">Intersection Errors..........</span>Over 65% of urban accidents occur at intersections. Look around very carefully. Proceed with caution and don’t assume anything.</p> <p><span class="blackbold12">Inattention...............</span>Not maintaining close concentration on your own driving, other drivers, pedestrians, and driving conditions.</p> <p><span class="blackbold12">Following too close......</span> A generally safe and easy rule is to look at your speed in km and stay at least that many feet behind the vehicle in front.</p> <p><span class="blackbold12">Vehicle Malfunction.....</span> Have regular checkups, particularly of wiper fluid, brakes , and tires, and replace wiper blades whenever they are worn. </p> <p>Maintain your vehicle and you may avoid and accident.</p> <p><span class="blackbold12">Dangerous Roads...</span>Ice, snow, fog, and rain conditions require slower speeds and much greater caution.</p> <p><span class="blackbold12">Unsafe Speeds... </span>Exceeding speed limits, or driving too fast for traffic conditions.Excessive speed reduces reaction time and greatly increases impact and injuries.</p> <p><span class="blackbold12">Improper Lane Changes...</span> Before you change, check all mirrors, and signal long before you change. Also, watch for the other vehicles.</p> <p>These items may seem so simple and standard to drivers, but, in today's driving world they are often overlooked ,forgotten or simply ignored. <br> </p> <p>Get a <a href='javascript:void window.open("https://www.2orderdirect.com/apps/app_auto.html","myWin","width=800, height=500, top=100, left=100, toolbar=0, menubar=0, location=0, status=1, scrollbars=1, resizable=1")'>Car Insurance Quote</a> now!</p></td> </tr> <tr> <td class="textnormal"> </td> </tr> <tr> <td> </td> </tr> </table> <table width="800" border="1" align="center" cellpadding="5" cellspacing="0"> <TR valign=top> <TD class="textnormal"> <p class="boldheader"><B>ADDITIONAL RESOURCES FOR CAR INSURANCE</B></p> <p><span class="textnormal"> <a href="http://www.pueblo.gsa.gov/cic_text/cars/autoinsu/autoinsu.htm" target="_blank">Nine ways to lower your Car Insurance Costs<br> </a></span><a href="http://www.homefair.com/homefair/insprof/insquiz.html" target="_blank">Take the Car Insurance Quiz</a></p> </TD> </TR> <TR> <TD colspan=2 bordercolor="#000000" class="textnormal"></TD> </TR> </table> <table width="800" border="0" cellspacing="0" cellpadding="5" align="center"> <tr class="textnormal"> <td colspan="6"><hr align="center" noshade></td> </tr> <tr class="textnormal"> <td><div align="center"> <h3><a href="http://home-insurance.2orderdirect.com">Home Insurance</a></h3> </div></td> <td><div align="center"> <h3><a href="http://auto-insurance.2orderdirect.com">Auto Insurance</a></h3> </div></td> <td><div align="center"> <h3><a href="http://car-insurance.2orderdirect.com">Car Insurance</a></h3> </div></td> <td><div align="center"> <h3><a href="http://pet-insurance.2orderdirect.com">Pet Insurance</a></h3> </div></td> <td><div align="center"> <h3><a href="http://travel-insurance.2orderdirect.com">Travel Insurance</a></h3> </div></td> <td><div align="center"> <h3><a href="http://identity-theft-insurance.2orderdirect.com">Identity Theft Insurance</a></h3> </div></td> </tr> <tr class="textnormal"> <td><div align="center"></div></td> <td><div align="center"> <h3><a href="http://auto-warranty-insurance.2orderdirect.com">Auto Warranty Insurance</a></h3> </div></td> <td><div align="center"> <h3><a href="http://health-insurance.2orderdirect.com">Health Insurance</a></h3> </div></td> <td><div align="center"> <h3><a href="http://life-insurance.2orderdirect.com">Life Insurance</a></h3> </div></td> <td><div align="center"> <h3><a href="http://dental-insurance.2orderdirect.com">Dental Insurance</a></h3> </div></td> <td><div align="center"></div></td> </tr> <tr class="textnormal"> <td><h3><a href="http://general-liability-insurance.2orderdirect.com" target="_blank">General Liability Insurance</a></h3></td> <td><h3><a href="http://workers-compensation-insurance.2orderdirect.com" target="_blank">Workers Compensation Insurance</a></h3></td> <td><h3><a href="http://commercial-auto-insurance.2orderdirect.com" target="_blank">Commercial Auto Insurance</a></h3></td> <td><h3><a href="http://business-owner-insurance.2orderdirect.com" target="_blank">Business Owners Insurance</a></h3></td> <td colspan="2"><h3><a href="http://home-business-insurance.2orderdirect.com" target="_blank">Home Business Insurance</a> </h3></td> </tr> <tr class="textnormal"> <td></td> <td><div align="center"></div></td> <td colspan="4"><div align="center"></div> <div align="center"></div> <div align="center" class="graytext">© Copyright 2004. 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